Both my mom and dad have both their names on the title of my house, but I am the note holder who pays solely pays the mortgage. Can I add my mom and/or dad to the mortgage, so the mortgage can reflect a dual income?

Both my mom and dad have both their names on the title of my house, but I am the note holder who pays solely pays the mortgage. Can I add my mom and/or dad to the mortgage, so the mortgage can reflect a dual income?
No... the mortgage is a legal contract that is in effect... however if you do a refinance you could add their names at that time. Assuming you would qualify.

If you already have the mortgage then why do you think adding another income matters? And how did you get a mortgage that didn't include all owners.

... And how did you get a mortgage that didn't include all owners.


Title is in your parents' name and yours? Was this the situation when the mortgage was written, or was title changed after the date of the mortgage?

I am surprised the lender allowed this at closing, normally they want the people on the title to be on the loan, BUT, no you can not just add them, you will have to do a refi and have them added as part of the loan.